Pay over time allows you to spread the cost of your purchase for up to 24 months.

1. Select the Pay over time option in the store’s checkout

2. Choose your preferred timeline and agreed interest rate

3. Follow the steps to complete the application

4. Get an instant approval decision

5. Complete your purchase

You’ll receive an email from us with your payment plan when the store ships your order.

Please note: A credit check will be performed when you apply for our Pay over time options.

Your first payment is due one month after the store processes your order and then monthly thereafter on the same date each month until your statement is fully paid. 

You can view your payment plan and upcoming payments directly in the app.

Good to know:

• Our Pay over time products are issued by WebBank (member FDIC) in partnership with Klarna.

• Read our Terms & Conditions for more detailed information about Pay over time and the Annual Percentage Rate (APR).